SERVICES · RISK MANAGEMENT

Protect what you’ve worked so hard to build.

A retirement plan is only as strong as its protection. I help you find the gaps, whether that’s a market downturn at the wrong time, an early loss, or simply living longer than your savings, and compare insurance options that can help you cover them.

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The risks we look at together
01
Living longer than your savings
Income that needs to last 25–30 years or more.
02
A market drop near retirement
Losses near retirement are hard to recover from.
03
Losing a spouse or an income
Making sure the people you love are provided for.
04
Coverage that no longer fits
Old policies bought for a different stage of life.

The right protection, compared across multiple companies

COVERAGE I CAN HELP WITH

Life insurance
Replace income, pay off a mortgage, or leave a legacy for children and grandchildren. We’ll look at how much coverage makes sense and for how long.
Often a fit for: families, surviving-spouse planning, legacy goals
Principal protection
Fixed and fixed indexed annuities are designed to protect your principal from market losses, so a downturn near retirement doesn’t undo years of saving. Guarantees are backed by the issuing insurance company.
Often a fit for: savers within 10 years of retirement
Existing policy review
Many people carry policies they bought years ago for a different stage of life. I’ll review what you already own, explain it in plain English, and show you whether it still fits.
Often a fit for: anyone with older life insurance or annuity policies
Annuities for lifetime income
Certain annuities can provide a guaranteed stream of income for life, backed by the issuing insurance company, so part of your income lasts as long as you do.
Often a fit for: anyone worried about running out of money

MY APPROACH

Protection that fits your whole retirement picture

Insurance shouldn’t be sold in isolation. We start with your income, your family, and you goals, then decide what protection is worth paying for, and what isn’t.

01
Identify
We review what you already have, including existing policies and employer coverage, and spot where you’re exposed.
02
Quantify
We put real numbers on each risk, so you can see what a gap could actually cost you or your family.
03
Prioritize
You get a written side-by-side of options from multiple insurers, and you decide what to address first, on your timeline.

If you own a business or have a larger estate, insurance can play a role in succession and wealth-transfer planning. Through Graham Financial LLC, I have access to a broad range of insurance carriers and specialists for these cases.

I’m glad to work alongside your attorney and CPA so everyone is on the same page.

Business owners and larger estates

FOR MORE COMPLEX SITUATIONS

I don’t provide legal or tax advice. Please consult your attorney or tax professional about your specific situation.

Not sure where your gaps are?

Book a free, no-pressure 15-minute phone call. Or reach me at (405) 609-7255

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